It is essential to understand that Credit Bureaus are nothing more than record keepers.
Simply put, they keep a record of who has given you credit, when they gave you credit, how much credit you were given, and whether or not you paid it back on time.
Credit Bureaus are paid by the people who request your credit file. Credit Bureaus have no legal power over you. Government, police, or banks do not run them; so do not be intimidated. They are the Credit Bureaus because they own large computer systems capable of storing credit information on everyone in the United States. However, due to the overwhelming amount of information on their computers, their method if information collecting is very basic, and ridden with many errors. Since the bureaus have made so many errors in the past, all federal laws regarding credit information are very much in your favor.
The only thing you legally need to supply the credit bureaus for a copy of your report is your name, your social security number, and a legal mailing address (P.O. Box is a legal address). Did you know that many of the collection agencies are owned by credit bureaus?
NEVER give credit bureaus more information than they need.
The bureaus also have a right to request a copy of your social security card, but only give a copy of the FRONT. They may also request a copy of something showing your address if it is different than what is showing on the report. Send them a billing statement that has your address. DO NOT send them a copy of your driver's license as they request. Remember, these bureaus are information-gathering companies who sell your information, not only for credit, but also for promotional reasons.
Our process is simple, yet effective. Credit Justice Services will receive your credit report with items you would like to dispute.
A paralegal will be assigned to your specific file in order to better assist you in the 75 day credit repair process. Read More...
Our Attorney will negotiate on your behalf with creditors and collection companies. We have a very high success rate helping people just like you save thousands of dollars, avoid costly collection lawsuits, and stay out of bankruptcy. Read more...
You apply for a credit card and are turned down because of a low credit score, yet you know that you’ve always paid your accounts on time.
A debt collector calls to demand payment on a six-month overdue account for a credit card you have never had.
You receive a credit card in the mail that you’ve never applied for.
What’s happening? Read More...
